Welcome to Call to Decision 

 Subject: List of BANKs: Graded from A+ to E-
 To: jadinardo@optonline.net

 Advanta Bk Corp Draper UT A 2,587,476
 Albany B&TC NA Chicago IL A 512,418
 Alerus Financial NA Grand Forks ND B+ 717,480
 American Bk of Texas Sherman TX A- 1,054,627
 American Bk TX NA Marble Falls TX A- 684,350
 American Heritage Bk Sapulpa OK A- 599,074
 American NB&TC Danville VA A 784,257
 American St Bk Lubbock TX A- 2,095,007
 Apple Bk For Svgs Manhasset NY B+ 8,307,485
 BancFirst Oklahoma City OK A- 3,773,746
 BancorpSouth Bk Tupelo MS B+ 13,151,538
 Bank of Clarke Cty Berryville VA B+ 512,038
 Bank of Commerce Idaho Falls ID A+ 730,004
 Bank of Hampton Roads Norfolk VA A- 581,257
 Bank of Marin Corte Madera CA B+ 919,799
 Bank of Stockton Stockton CA A- 1,752,232
 Bank of the Commonwealth Norfolk VA B+ 883,383
 Bank of the Ozarks Little Rock AR B+ 3,041,220
 Bank of the Sierra Porterville CA A- 1,279,280
 Bank of the West El Paso TX A- 701,178
 Bank of Utah Ogden UT B+ 699,707
 Bank of Washington Washington MO A- 598,542
 BankPlus Belzoni MS B+ 2,087,587
 Beal Bk NV Las Vegas NV B+ 1,755,318
 Bessemer TC Woodbridge Twp NJ A- 594,017
 Bessemer Trust Co NA New York NY A- 933,083
 Broadway Bk Chicago IL B+ 1,118,366
 Broadway NB San Antonio TX A 1,799,320
 Brookline Bank Brookline MA A- 2,390,461
 Burke & Herbert B&TC Alexandria VA A 1,538,861
 Cameron St Bk Lake Charles LA A- 585,035
 Centennial Bk Fountain Valley CA B+ 702,138
 Centier Bank Whiting IN A- 1,819,170
 Central Bk Provo UT A 616,561
 Citizens 1st Bank Tyler TX A 599,052
 Citizens Bk Elizabethton TN A 633,137
 Citizens Bk Philadelphia MS B+ 709,271
 Citizens Bk Farmington NM B+ 538,459
 Citizens Business Bk Ontario CA B+ 6,368,212
 Citizens NB of Meridian Meridian MS A- 1,136,808
 City NB Beverly Hills CA B+ 15,440,489
 City NB of Florida Miami FL A+ 2,870,059
 City NB of WV Charleston WV A- 2,479,901
 Columbia Bk Fair Lawn NJ B+ 4,413,282
 Columbus B&TC Columbus GA B+ 6,084,023
 Community Bk Pasadena CA B+ 2,152,830
 Community BK of Tri-Cty Waldorf MD B+ 631,867
 Conway NB Conway SC A- 854,951
 Custodial Trust Co Princeton NJ A+ 995,443
 Deutsche Bk TC Americas New York NY A- 38,216,000
 Deutsche Bk Tr Co DE Wilmington DE A- 705,719
 Dime Svgs Bk of Williamsburg Brooklyn NY A- 3,608,610
 Eastern Bk Boston MA B+ 6,888,199
 El Dorado Svgs Bk FSB Placerville CA A- 1,578,117
 Evangeline B&TC Ville Platte LA A 526,050
 Farmers & Merch Bk Ctrl CA Lodi CA A- 1,565,470
 Farmers & Merchants Bk Long Beach CA A+ 3,319,158
 Farmers St Bk Marion IA A- 529,080
 Fidelity Bk Fuquay-Varina NC A- 1,476,620
 First B&T East Texas Diboll TX B+ 610,264
 First Bk Troy NC B+ 2,382,454
 First Citizens B&TC Columbia SC B+ 6,257,895
 First Citizens NB Mason City IA A- 888,258
 First Community Bk NA Bluefield VA B+ 2,045,941
 First Farmers & Merchants Bk Columbia TN B+ 858,918
 First Federal Bk of FL Lake City FL A 622,261
 First Financial Bank, NA Abilene TX B+ 1,004,152
 First Financial Bk Terre Haute IN A- 2,216,822
 First Financial Bk NA Hamilton OH B+ 3,311,397
 First Hawaiian Bk Honolulu HI A- 12,957,489
 First Mid Illinois B&T NA Mattoon IL B+ 1,015,170
 First NB Hot Springs AR A- 731,884
 First NB Paragould AR A- 569,058
 First NB Fort Pierre SD B+ 601,911
 First NB Alaska Anchorage AK B+ 2,340,746
 First NB of Long Island Glen Head NY A- 1,131,438
 First NB of Newtown Newtown PA A+ 617,146
 First NB of Palmerton Palmerton PA A- 568,607
 First NB of Pulaski Pulaski TN B+ 549,442
 First NB of Santa Fe Santa Fe NM B+ 577,897
 First NB of Shelby Shelby NC A 958,190
 First NB of TN Livingston TN A 538,747
 First PREMIER Bk Sioux Falls SD A 897,077
 First Regional Bk Los Angeles CA B+ 2,317,382
 First Security Bk Missoula MT B+ 804,740
 First Security Bk Batesville MS B+ 505,781
 First St Bk Central TX Austin TX B+ 925,481
 Firstbank Southwest Amarillo TX B+ 668,453
 Flagship B&T Co Worcester MA B+ 578,087
 FPC Financial FSB Madison WI B+ 1,335,460
 Frost NB San Antonio TX A- 13,886,593
 FSGBank NA Chattanooga TN B+ 1,246,936
 Gate City Bk Fargo ND B+ 988,689
 GE Capital Fncl Salt Lake City UT A- 2,733,979
 Glacier Bk Kalispell MT A- 912,552
 Glens Falls NB&TC Glens Falls NY B+ 1,401,702
 GMAC Bank Midvale UT B+ 30,329,334
 Heritage Bk of Commerce San Jose CA A- 1,413,435
 High Point B&TC High Point NC A- 799,903
 Hills B&TC Hills IA B+ 1,678,922
 Home Federal Bank Nampa ID B+ 709,380
 Home Federal Bank of TN Knoxville TN B+ 1,795,718
 Hometrust Bank Clyde NC B+ 1,302,033
 Horizon Bk Bellingham WA B+ 1,391,681
 Hudson Valley Bank, NA Stamford CT A- 2,222,661
 Idaho Independent Bk Coeur D'Alene ID B+ 611,389
 International Bk/Cmmrce NA Brownsville TX B+ 791,038
 Intrust Bk NA Wichita KS B+ 3,563,025
 Jersey Shore St Bk Jersey Shore PA A- 617,494
 KleinBank Big Lake MN A- 1,515,280
 LA Jolla Bk FSB Rancho Santa Fe CA B+ 3,610,901
 Liberty Bk Middletown CT A- 2,779,188
 Luther Burbank Svgs Santa Rosa CA B+ 2,922,141
 Macon Bk Franklin NC B+ 1,071,196
 Manufacturers Bk Los Angeles CA B+ 2,052,781
 Maspeth FS&LA Maspeth NY A 1,339,757
 Mechanics Bk Richmond CA A- 2,706,040
 Merchants Bk Burlington VT B+ 1,275,990
 Metro Bk Pell City AL B+ 516,160
 Metropolitan NB Springfield MO A- 562,405
 Mission Bk Mission KS B+ 583,770
 Mizuho Corporate Bk Of CA Los Angeles CA A- 607,163
 Mizuho Corporate Bk USA New York NY A- 3,929,083
 Mountain West Bk Coeur D'Alene ID B+ 1,048,597
 Nara Bank Los Angeles CA B+ 2,542,854
 National B&TC of Sycamore Sycamore IL A- 556,750
 National Bk of Blacksburg Blacksburg VA A 907,500
 National Exchange B&TC Fond Du Lac WI A 1,059,425
 Nationwide Bank Columbus OH A- 1,410,354
 Needham Bk Needham MA B+ 755,930
 New York Commercial Bk Islandia NY B+ 2,789,878
 New York Community Bk New York NY B+ 28,822,406
 Newburyport Five Cnts SB Newburyport MA B+ 572,099
 North American Svgs Bk FSB Grandview MO B+ 1,525,704
 Northfield Bank Staten Island NY A- 1,469,698
 Old Second NB Aurora IL B+ 2,998,079
 OptumHealth Bank, Inc. W Valley City UT A- 736,192
 Oritani Svgs Bk Washington NJ B+ 1,380,027
 Orrstown Bk Shippensburg PA B+ 915,013
 Panhandle St Bk Sandpoint ID B+ 995,379
 Parke Bk Sewell NJ B+ 509,567
 Penn Security B&TC Scranton PA A- 615,238
 Peoples Bk of Biloxi Biloxi MS A- 892,028
 People's United Bank Bridgeport CT B+ 20,541,299
 Piedmont FSB Winston-Salem NC B+ 822,459
 Pinnacle Bk Lincoln NE B+ 2,182,610
 Planters B&TC Staunton VA B+ 827,186
 Provident Bk Montebello NY B+ 2,816,881
 Prudential Bank & Trust, FSB Hartford CT B+ 1,460,729
 RCB Bk Claremore OK B+ 1,209,166
 River City Bk Sacramento CA A- 833,431
 Roma Bank Robbinsville NJ B+ 891,830
 Rosedale FS&LA Baltimore MD A+ 598,638
 Salin B&TC Indianapolis IN B+ 823,057
 Savings Bk of Mendocino Cty Ukiah CA A- 743,626
 Second B&T Fredericksburg VA B+ 776,038
 Security NB of Omaha Omaha NE B+ 563,295
 Security NB of Sioux City IA Sioux City IA B+ 608,039
 Severn Svgs Bk FSB Annapolis MD B+ 955,154
 Silicon Valley Bk Santa Clara CA A 6,386,386
 Skagit St Bk Burlington WA A- 578,637
 Solvay Bk Solvay NY B+ 503,807
 Somerset Svgs Bk, SLA Bound Brook NJ B+ 602,359
 South Side T&SB Peoria IL A- 542,051
 Southcoast Community Bk Mt Pleasant SC B+ 509,493
 Southern B&TC Mt Olive NC B+ 1,199,244
 Starion Financial Bismarck ND B+ 581,732
 State Bk of India (Calif) Los Angeles CA B+ 538,913
 State Bk of Southern Utah Cedar City UT A 599,643
 State Bk Texas Irving TX B+ 500,565
 Stearns Bk NA St Cloud MN B+ 1,106,700
 Sumitomo Tr & Bkg Co USA Hoboken NJ A 738,385
 Talbot Bk of Easton MD Easton MD B+ 572,997
 Texas B&TC Longview TX B+ 986,015
 Torrington Svgs Bk Torrington CT B+ 714,673
 Tri City NB Oak Creek WI A 767,701
 Tri Counties Bk Chico CA A- 1,998,110
 U.S. Century Bank Miami FL B+ 1,424,915
 UBM Bank Colorado, NA Denver CO B+ 833,581
 UMB NB of America Salina KS B+ 633,934
 Union B&TC Lincoln NE B+ 1,655,668
 Union Federal Svgs Bk N Providence RI B+ 647,471
 United Bk Zebulon GA B+ 654,403
 Univest NB&TC Souderton PA A- 2,041,748
 Valley National Bank Passaic NJ B+ 12,933,726
 Wachovia Bk of DE NA Wilmington DE B+ 4,814,700
 Washington First Intl Bk Seattle WA A- 583,787
 Washington FS&LA Seattle WA A+ 11,738,021
 Waukesha St Bk Waukesha WI A 697,058
 Webster Five Cents SB Webster MA B+ 512,109
 Western Security Bank Billings MT A- 540,694
 Wilmington Svgs Fund Society Wilmington DE B+ 3,173,008
 Wilshire St Bk Los Angeles CA B+ 2,258,035
 Woodforest NB Houston TX A- 2,589,346
 World Financial Network NB Columbus OH A- 1,003,874
 Wright Express Fin Svcs Corp Salt Lake City UT B+ 1,195,118
 Yakima FS&LA Yakima WA B+ 1,398,520
 Weakest Banks and Thrifts
 in the United States
 (See first table above for strongest.)
 Distributed by: Weiss Research, Inc.
 Source of Financial Strength Ratings: Courtesy of TheStreet.com Ratings,
 www.TheStreet.com.
 Data source: FDIC’s Call Reports and OTS’ Thrift Financial Reports, March
 31, 2008.
 Selection criteria for the table below: All U.S. commercial banks, savings
 banks, S&Ls and other thrifts with total assets of $500 million or more and
 with a rating of D- or lower.
 Instructions: Same instructions as for strongest, above.
 Bank City State
 TheStreet.com
 Rating
 Total Assets
 ($ thousands)
 1st Centennial Bk Redlands CA D- 715,231
 1st United Bk Boca Raton FL D+ 575,509
 Affinity Bk Ventura CA D- 1,172,207
 Alliance Bank Lake City MN D 651,634
 Alliance Bk Culver City CA D- 1,111,157
 Alliance Bk Corp Fairfax VA D 553,450
 Amboy Bank Old Bridge NJ D- 2,695,636
 Amcore Bk NA Rockford IL D+ 5,135,631
 American Bk St Paul MN D 612,162
 American Bk of Commerce Wolfforth TX D+ 690,847
 American Founders Bk Inc Frankfort KY D- 561,375
 American River Bk Sacramento CA D 585,958
 Americanwest Bk Spokane WA D 2,106,351
 Ameriprise Bank, FSB New York NY D 1,551,509
 Amtrust Bank Cleveland OH D- 17,301,384
 ANB Financial NA Rogers AR F 1,895,545
 Anchorbank FSB Madison WI D+ 5,088,062
 Avidia Bank Hudson MA D+ 954,640
 Baltimore County Svgs Bk FSB Baltimore MD D 615,915
 Banco Popular North America New York NY D+ 12,738,302
 Banco Santander PR San Juan PR D 9,103,575
 Bank of Blue Valley Overland Park KS D- 753,205
 Bank of Choice Evans CO D- 560,922
 Bank of Choice Colorado Arvada CO D- 637,106
 Bank of East Asia USA NA New York NY D 748,859
 Bank of Florida-Southwest Naples FL D+ 698,891
 Bank of Granite Granite Falls NC D 1,192,025
 Bank of the Cascades Bend OR D+ 2,403,853
 BankAtlantic Fort Lauderdale FL D 6,212,631
 BankUnited FSB Coral Gables FL D+ 14,312,695
 Baraboo NB Baraboo WI D+ 596,978
 Barclays Bank Delaware Wilmington DE D 7,125,125
 Baylake Bk Sturgeon Bay WI D 1,078,889
 Beach Community Bk Fort Walton Bch FL D- 660,975
 BLC Bank, NA Strasburg PA D- 3,178,636
 BPD Bk New York NY D+ 632,610
 Bradford Bank Baltimore MD D- 551,944
 Bridgeview Bk Group Bridgeview IL D+ 1,403,902
 Buckhead Community Bk Atlanta GA D- 943,151
 Builders Bk Chicago IL D- 527,387
 CapitalSouth Bank Birmingham AL D- 756,441
 Central Co-Op Bk Somerville MA D+ 570,835
 Central Progressive Bk Lacombe LA D- 508,652
 Century Bk FSB Sarasota FL D- 929,123
 Chevy Chase Bk FSB McLean VA D+ 15,130,114
 Citizens First Svg BK Port Huron MI D+ 2,091,041
 Citizens-Union Svgs Bk Fall River MA D 649,190
 Columbian B&TC Topeka KS D- 735,766
 Community Bk Loganville GA E+ 623,764
 Community Central BK Mt Clemens MI D- 544,704
 Community First Bk Harrison AR D+ 519,235
 Community South Bk Parsons TN D- 569,721
 Community West Bk Goleta CA D+ 628,610
 Conestoga Bank Chester Springs PA D- 680,814
 Corus Bk NA Chicago IL D 8,976,744
 Countrywide Bank, FSB Alexandria VA D 121,412,048
 County Bk Merced CA D 2,078,298
 Crescent B&TC Jasper GA D+ 950,001
 Crescent B&TC New Orleans LA D+ 559,526
 Delaware County B&TC Lewis Center OH D 716,851
 Desert Hills Bk Phoenix AZ D+ 502,374
 Doral Bank Puerto Rico San Juan PR D 8,835,752
 Downey S&LA FA Newport Beach CA D- 13,130,348
 E*Trade Bank Arlington VA D+ 48,184,276
 Eastern Svgs Bk FSB Hunt Valley MD D 1,132,481
 Equitable Bk SSB Wauwatosa WI D+ 548,555
 Eurobank San Juan PR D- 2,792,787
 Falcon International Bk Laredo TX D+ 871,386
 Farmers & Merchants Bk Lakeland GA D- 534,414
 Federal Trust Bank Sanford FL E- 670,589
 Fidelity Bank Dearborn MI D 1,045,530
 Fidelity Bk Norcross GA D+ 1,732,780
 First American Intl Bk Brooklyn NY D+ 542,634
 First Bank of Beverly Hills Calabasas CA D+ 1,410,692
 First Bk Fncl Centre Oconomowoc WI D+ 571,327
 First Central Svgs Bk Glen Cove NY D- 645,056
 First Community Bk Taos NM D+ 3,455,652
 First Federal Bank Harrison AR D 828,860
 First Federal Bank of CA FSB Santa Monica CA D+ 7,083,638
 First Georgia Banking Co Franklin GA D+ 715,523
 First Gulf Bank, NA Pensacola FL D+ 698,875
 First Mariner Bk Baltimore MD D- 1,172,860
 First NB of AZ Scottsdale AZ E+ 2,836,085
 First NB of GA Carrollton GA D- 882,993
 First NB of Nevada Reno NV D- 1,634,041
 First NB of the South Spartanburg SC D+ 850,717
 First Niagara Commercial Bk Lockport NY D 717,088
 First Place Bank Warren OH D+ 3,283,975
 First St Bk Eastpointe MI D 738,642
 First St Bk Stockbridge GA D- 705,237
 First Tennessee Bk NA Memphis TN D+ 37,063,967
 Firstbank of PR San Juan PR D+ 17,173,199
 FirsTier Bk Louisville CO D+ 542,909
 Flagstar Bk FSB Troy MI D- 15,898,386
 Florida Capital Bank, NA Jacksonville FL D- 819,512
 Florida Choice Bk Mt Dora FL D 868,805
 Florida Community Bk Immokalee FL E+ 935,236
 Founders Bk Worth IL D 980,356
 Franklin Bk SSB Houston TX D- 5,922,659
 Fremont Investment & Loan Anaheim CA E 6,047,598
 Gainesville Bank & Trust Gainesville GA D 646,373
 Geauga Svg Bk Newbury OH D+ 530,388
 Goldman Sachs Bk USA Salt Lake City UT D 25,573,236
 Graystone Bank Lancaster PA D 524,412
 Great FL Bk Miami FL D+ 1,850,387
 Guaranty Bank Milwaukee WI D- 1,826,503
 Habersham Bk Clarkesville GA D- 520,216
 Hanmi Bk Los Angeles CA D+ 3,927,609
 Haven SB Hoboken NJ D+ 680,150
 Heartland Bk Clayton MO D+ 892,367
 Helm Bk Miami FL D+ 586,280
 Highland Bk St Michael MN D+ 507,223
 Hillcrest Bk Overland Park KS D- 1,882,968
 Home NB Blackwell OK D 815,543
 Home S&LC Youngstown OH D 2,716,625
 HSBC Bk USA NA Wilmington DE D+ 188,284,200
 Huntington NB Columbus OH D+ 55,566,801
 Illinois NB Springfield IL D- 517,987
 Imperial Capital Bk La Jolla CA D+ 3,530,257
 Independence Bk Owensboro KY D+ 675,449
 Independent Bk Ionia MI D- 3,238,995
 IndyMac Bk FSB Pasadena CA E- 32,010,816
 Integrity Bk Alpharetta GA E- 1,203,701
 Inter Svgs Bk FSB Maple Grove MN D- 951,692
 Intervest NB New York NY D+ 2,046,601
 Irwin Union Bk Columbus IN D+ 5,425,343
 Irwin Union Bk FSB Columbus IN D+ 692,224
 K Bk Owings Mills MD D- 649,097
 LaSalle Bank Midwest NA Troy MI D 37,008,195
 Lehman Brothers Bk FSB Wilmington DE D- 12,246,720
 LibertyBank Eugene OR D 960,085
 Lincoln Bank Plainfield IN D+ 862,451
 Lowell Five Cents SB Lowell MA D+ 663,853
 Lydian Private Bank Palm Beach FL D+ 2,008,561
 Macatawa Bk Holland MI D 2,133,420
 Magyar Bank New Brunswick NJ D 504,200
 Marine Bk-Springfield Springfield IL D 631,946
 Meridian Bank NA Wickenburg AZ D 2,505,730
 Merrick Bank Corp S Jordan UT D+ 1,181,376
 Midcountry Bank Marion IL D- 1,025,760
 Mid-Missouri Bk Springfield MO D+ 752,747
 MidWestOne Bk Oskaloosa IA D- 778,014
 Millennium BCP Bank, NA Newark NJ D- 841,322
 Mutual Bk Harvey IL D- 1,532,589
 National City Bk Cleveland OH D 152,519,145
 New South FSB Irondale AL D 1,986,425
 Northeast Bk Auburn ME D+ 583,816
 Northside Cmnty Bk Gurnee IL D 554,194
 Northwest Georgia Bk Ringgold GA D+ 633,733
 Ocean Bk Miami FL D- 5,120,611
 Omni Bk Metairie LA D 727,864
 Omni NB Atlanta GA D- 992,505
 OmniAmerican Bank Fort Worth TX D 1,086,199
 One United Bk Boston MA D 742,866
 Orion Bk Naples FL D 2,936,394
 Park View FSB Cleveland OH D 868,702
 Peachtree Bk Duluth GA E 545,076
 Peninsula Bk Englewood FL D- 606,312
 Peoples Community Bank W Chester OH D- 870,486
 PFF B&T Pomona CA E+ 4,103,786
 Ponce De Leon Federal Bk New York NY D+ 643,478
 Premier Bk Jefferson City MO D- 1,569,820
 Premier Bk-Maplewood Maplewood MN D- 552,769
 Presidential Bk FSB Bethesda MD D+ 534,166
 Redding Bk of Commerce Redding CA D 646,946
 Republic Federal Bank, NA Miami FL D- 613,165
 R-G Premier Bk of PR San Juan PR D+ 7,165,822
 Riverside Bk of Gulf Coast Cape Coral FL D- 535,046
 Scotiabank DE PR Hato Rey PR D- 1,529,267
 Seacoast NB Stuart FL D- 2,391,360
 Security Bank of Bibb County Macon GA D- 1,315,478
 Security Bk of Kansas City Kansas City KS D+ 880,439
 Security Pacific Bk Los Angeles CA D- 585,184
 Signature Bk of Arkansas Fayetteville AR D 549,211
 Silver St Bk Henderson NV D 1,624,672
 Southport Bk Kenosha WI D+ 510,740
 Sovereign Bk Wyomissing PA D+ 81,906,412
 Sovereign Bk NA Dallas TX D 632,482
 Sterling B&T FSB Southfield MI D- 670,627
 Sterling Savings Bank Spokane WA D+ 12,189,506
 Superior Bank Birmingham AL D 2,943,775
 Teambank NA Paola KS D+ 704,541
 Temecula Valley Bk Temecula CA D 1,373,343
 TIB Bank Naples FL D+ 1,423,951
 TierOne Bk Lincoln NE D 3,374,893
 Tower B&TC Fort Wayne IN D+ 687,243
 Transatlantic Bk Miami FL D+ 573,742
 Truman Bk St Louis MO D 502,798
 Vanguard B&TC Valparaiso FL D+ 633,756
 Vantus Bk Sioux City IA D+ 597,030
 Vineyard Bk, NA Rancho Cucamonga CA D 2,326,862
 Vision Bk Panama City FL D- 922,174
 Warren Bk Warren MI D- 587,082
 Washington Mutual Bank Henderson NV D+ 317,823,952
 Wauwatosa Svgs Bk Wauwatosa WI D+ 1,771,794
 West Coast Bk Lake Oswego OR D 2,607,534
 Westernbank Puerto Rico Mayaguez PR D- 15,971,230
 Westsound Bk Bremerton WA D-